Bajaj Finserv Ltd.

Financial

	Bajaj Finserv	Piramal Enterprises	Shriram Finance
Operational Metrics
General Insurance Sector
Combined Ratio	101.57 %	n/a	n/a
Monthly Gross Direct Premium Income (GDPI)	1093.26 Crs	n/a	n/a
Risk Retention Ratio	49.62 %	n/a	n/a
Yield On Total Investments - General Insurance	1.23 %	n/a	n/a
Float	10491.67 Crs	n/a	n/a
Life Insurance Sector
Value Of New Business Margin (VNB)	18.1 %	n/a	n/a
New Business Performance - Life Insurance	768.39 Crs	n/a	n/a
Commission Ratio - Life Insurance	9.8 %	n/a	n/a
Management Expense Ratio - Life Insurance	27.0 %	n/a	n/a
AUM - Life Insurance	109829.0 Crs	n/a	n/a
Embedded Value	21726.0 Crs	n/a	n/a
13 Month Persistency Ratio	80.3 %	n/a	n/a
61 Month Persistency Ratio	49.2 %	n/a	n/a
Financials
5 yr Average ROE	12.38 %	7.04 %	13.15 %
5yr average Equity Multiplier	8.34	2.84	6.05
5yr Average Asset Turnover Ratio	0.21	0.12	0.14
5yr Avg Net Profit Margin	7.08 %	26.05 %	15.99 %
Price to Book	4.2	0.79	2.24
P/E	31.11	0.0	14.86
5yr Avg Cash Conversion Cycle	15.6 Days	-129.04 Days	n/a
Inventory Days	0.0	28.97 Days	n/a
Days Receivable	15.6 Days	41.29 Days	n/a
Days Payable	19.43 Days	177.99 Days	n/a
5yr Average Interest Coverage Ratio	2.12	1.49	n/a
5yr Avg ROCE	15.8 %	10.09 %	n/a
5yr Avg Operating Profit Margin	34.1 %	53.54 %	n/a
5 yr average Debt to Equity	4.19	1.56	n/a
5yr CAGR Net Profit	19.32 %	-17.79 %	n/a
5yr Average Return on Assets	1.48 %	2.4 %	n/a
Shareholdings
Promoter Holding	60.69 %	46.19 %	25.42 %
Share Pledged by Promoters	0.01 %	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.11 %	0.13 %	-1.06 %
Change in Mutual Fund Holding (3 Yrs)	0.85 %	5.28 %	8.77 %

Business

	Bajaj Finserv	Piramal Enterprises	Shriram Finance
Segment Break-Up	Segment Break-Up NBFC 46.72 Insurance 37.11 Investments 2.71 Wind 0.02 Others 13.44	-	-
Segment Break-Up	Segment Break-Up NBFC 46.72 Insurance 37.11 Investments 2.71 Wind 0.02 Others 13.44	-	-
Product Wise Break-Up	Product Wise Break-Up Healthcare Insight and Analytics 0 Pharma 0 Financial Services 0 Others 100	Product Wise Break-Up Healthcare Insight and Analytics 0 Financial Services 100.0 Pharma 0	Product Wise Break-Up Healthcare Insight and Analytics 0 Financial Services 0 Pharma 0 Others 100
Location Wise Break-Up	Location Wise Break-Up India 100.0	-	Location Wise Break-Up India 100.0
Distribution Channel	Distribution Channel Banking 12.0 Others 88.0	-	-
Premium Break-Up - General Insurance	Premium Break-Up - General Insurance Motors 40.12 Health Insurance 37.53 Crop Insurance 8.87 Fire Equipment 2.69 PERSONAL ACCIDENT 2.22 MARINE 1.6 Worksmens Compensation 0.53 Public/Product Liability 0.32 Engineering 0.29 Aviation 0.02 Credit Insurance 0 Others 5.81	-	-
AUM Break-Up - NBFC	AUM Break-Up - NBFC Mortage 31.25 Consumer Finance 19.64 SME 12.65 Rural 7.75 Consumer Finance 7.59 Commercial Lending Business 5.82 Loans against securities 5.34 Consumer Finance 5.16 Rural 2.09 Retail 0 Wholesale 0 Hospitality 0 Corporate Lending 0 Others 2.71	AUM Break-Up - NBFC Retail 58.0 Mortage 0 Consumer Finance 0 SME 0 Hospitality 0 Commercial Lending Business 0 Rural 0 Loans against securities 0 Wholesale 42.0 Corporate Lending 0	-
Net Profit Break-Up	Net Profit Break-Up Loan 88.21 General Insurance 8.13 Life Insurance 3.66 WindMill 0 Investments 0	-	-

Bajaj Finserv Ltd.

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